Financial Advisor for Toronto Families and Business Owners
A clearer view of your wealth and the decisions ahead
When wealth is spread across investments, property and a business, one decision can affect the whole picture. A retirement date, ownership transition or inheritance may change the income you need, the cash you want available and what you hope to pass on.
Bilyk Financial helps Toronto families, business owners and incorporated professionals connect these priorities through ongoing investment management and financial planning. We consider tax, retirement, family and legacy goals together, coordinating with your professional advisors where appropriate.
Start with a consultation about your circumstances, the services that may fit and the fees involved. Our only physical office is in Vegreville, Alberta; contact our team to confirm how we can work with you in Toronto and the meeting arrangements available.
Give each part of your portfolio a purpose
We consider your income needs, time horizon, liquidity requirements and tolerance for risk when developing an investment strategy. Your portfolio should be considered alongside business interests, property and other assets.
Asset allocation, diversification and ongoing review help connect investment decisions with your wider plan. We revisit the strategy as your circumstances and priorities change.
Connect today’s choices with tomorrow’s plans
Retirement withdrawals, a business transition or a transfer of family wealth can raise connected tax and estate questions. We help bring those questions into the financial planning discussion.
With your permission, we coordinate with your accountant and lawyer. Those professionals remain responsible for their specialist tax and legal advice.
Explore tax planning and legacy planning.
Bring the people and priorities together
As wealth spans more accounts, entities or generations, the challenge can be keeping decisions coordinated. A family office approach brings investment, planning and family priorities into one conversation.
We can work with your existing professional advisors, agreeing on responsibilities and the permissions needed to share information.
When a coordinated plan matters
Toronto clients come with different goals. These are some of the decisions that can benefit from looking beyond a single account or investment.
Retirement with more than one income source
Consider how pensions, investments, business interests and property fit the lifestyle you want. Review spending, the timing of withdrawals and cash reserves before deciding how much investment risk to take.
A business sale or succession decision
What would a change in ownership mean for your family’s income and financial independence? Bring personal investments, corporate wealth and family priorities into the discussion with your tax and legal advisors.
An inheritance or intergenerational transfer
New assets can introduce new responsibilities. Revisit liquidity, investment concentration, beneficiaries and family intentions before making long-term decisions. Your accountant and lawyer can advise on the tax and legal steps involved.
What working with us looks like
Start with your circumstances
We discuss your financial situation, objectives, risk tolerance, preferences and the decisions on your horizon.
Develop a connected strategy
We consider your investments alongside tax, retirement and legacy priorities. Recommendations reflect your needs, with specialist advisors involved where appropriate. Discuss the services, responsibilities and applicable fees before proceeding.
Review and communicate
Ongoing portfolio review and client communication help keep the approach aligned with your situation. Tell us when your family, business or retirement plans change.
Coordinated wealth services
Investment management
Connect portfolio choices with goals, liquidity and risk.
Retirement planning
Consider spending, income sources and the next stage of life.
Tax planning
Bring tax considerations into decisions with your tax professionals.
Legacy planning
Plan around family priorities and charitable intentions.
Risk management
Review insurance needs and the impact of unexpected events.
Family office services
Coordinate a more complex financial picture.
Meet your advisory team
Adam Bilyk, CFP®, CIM®, Managing Partner, became a principal with Bilyk Financial in 2013. Dylan Bredo, CFA, MBA, Partner, contributes portfolio modelling, analytics, reporting, asset allocation and client communications.
Meet the Bilyk Financial team to learn about their experience and approach.
Investment services are provided through Aligned Capital Partners Inc. (ACPI), including Bilyk Financial Private Client, an approved ACPI trade name. Financial planning and insurance services are provided through Bilyk Financial Wealth Management, a separate independent company.
Bilyk Financial is included in Toronto financial-planner guides by Clever Canadian and The Best Toronto. These are third-party consumer-guide mentions.
Questions from Toronto clients
Who is your approach designed for?
Our approach suits families, business owners, incorporated professionals and retirees seeking an ongoing advisory relationship. It can be useful when investments, business interests and family plans need to be considered together. A consultation helps establish whether the services and relationship fit your needs.
What does financial advice cost?
Fees depend on the services and arrangements that apply to your circumstances. Ask for the relevant fee schedule, what is included, how your advisor is compensated and any additional costs before proceeding. We can discuss these details in an introductory conversation.
Do you have a Toronto office?
Our only physical office is at 4769 50 Avenue, Vegreville, Alberta, T9C 1L1. We serve Toronto clients. Contact our team to confirm meeting arrangements for your situation.
Can you work with my accountant and lawyer?
Yes. With your permission and an agreed scope, we can coordinate with your existing professional advisors. Your accountant, tax professionals and lawyer remain responsible for advice within their areas of expertise.
How do property or business assets fit into a plan?
We consider the wider financial picture when discussing your income needs, liquidity and investment risk. If much of your wealth is held in property or a business, that can affect the role your investment portfolio needs to play. Specialist tax and legal questions should be reviewed with the appropriate professionals.
What should I prepare for a first consultation?
Bring your main questions, goals and an overview of your finances. Tell us about upcoming decisions and any advisors already involved. We can then discuss which records would be useful, our approach, applicable fees and possible next steps.
Start with your most important question
Tell us what is changing and what you want your wealth to support. Let’s discuss your priorities and whether our approach is a good fit.